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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: AMEX Green Approved !!! Quick Question

Well, usually. I thought I wrote YMMV. Sorry i left that off.

 

Usually they only pull multiple CRAs when your app is borderline (even for a single app in 1 day), which it sounds like in both of your cases (unfortunate denial and $1k CL). And usually you can do multiple apps on the same day with a single HP. But, yes as always, YMMV.

 

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012
0

Re: AMEX Green Approved !!! Quick Question


bichonmom wrote:

Well, usually. I thought I wrote YMMV. Sorry i left that off.

 

Usually they only pull multiple CRAs when your app is borderline (even for a single app in 1 day), which it sounds like in both of your cases (unfortunate denial and $1k CL). And usually you can do multiple apps on the same day with a single HP. But, yes as always, YMMV.

 

 


Yeah i know you were just saying in general, i waas just throwing out my experiences so you guys would know

 

btw I have a bichon too... great dogs

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: AMEX Green Approved !!! Quick Question

Congrats on both cards, and welcome to the Amex family! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: AMEX Green Approved !!! Quick Question


ryanbush wrote:

bichonmom wrote:

Well, usually. I thought I wrote YMMV. Sorry i left that off.

 

Usually they only pull multiple CRAs when your app is borderline (even for a single app in 1 day), which it sounds like in both of your cases (unfortunate denial and $1k CL). And usually you can do multiple apps on the same day with a single HP. But, yes as always, YMMV.

 

 


Yeah i know you were just saying in general, i waas just throwing out my experiences so you guys would know

 

btw I have a bichon too... great dogs


The best! And I'm in no way biased. :smileytongue:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: AMEX Green Approved !!! Quick Question

Congrat............

It's seem stupid but what seem so good about amex SPG ?


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: AMEX Green Approved !!! Quick Question

Congrats

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: AMEX Green Approved !!! Quick Question


nicholasyud wrote:

Congrat............

It's seem stupid but what seem so good about amex SPG ?


As with anything, different products will suit different people depending on your needs.  I have the SPG card and like it alot.  The points are flexible because they transfer to most airline at 1:1 ratio, and if you redeem 20K at a time, they tack on an additional 5K bonus, so effectively you get 1.25 miles/dollar on all spend.  How much you value an airline mile is somewhat subjective and depends on whether you redeem for coach fares or international premium cabins.

The hotel redemptions provide great value as well.  Especially if cash and points awards are available.  We just redeemed points for an upcoming trip to Europe.  3 nights at Le Meriden Piccadilly and 5 nights at Westin Paris Vendome.  Unfortunately there were no cash and points options, so we had to spend a lot of points (though we'll be checking back periodically to see if anything opens up).  In any event, the rooms are going for $600+/night for our travel dates.  While I wouldn't have spent that much money if I was going to be paying out of pocket, using points gives us a richer experience. 

 

I also get value out of the 2 stay/5 night credit toward elite status as this year it will help me hit Platinum. 

 

I definitely think I'm getting more than $65/year worth of value out of this card.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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